SECURITIES AND EXCHANGE COMMISSION
                               Washington D.C.  20549

          FORM 15 - Certification and Notice of Termination of Registration
          under Section 12(g) of the Securities Exchange Act of 1934 or
          Suspension of Duty to File Reports Under Sections 13 and 15(d) of
                         the Securities Exchange Act of 1934.

                      Commission File Number: 333-07219

               ACCREDITED MORTGAGE LOAN TRUST 1996-1, MORTGAGE LOAN
                    ASSET-BACKED CERTIFICATES, SERIES 1996-1.
              (Exact name of registrant as specified in its charter)

                   15030 AVENUE OF SCIENCE, SUITE 100, SAN DIEGO,
                              CALIFORNIA 92128
                               (619) 676-2100
          (Address, including zip code, and telephone number, including area
                  code, of registrant's principal executive offices)

              ACCREDITED MORTGAGE LOAN TRUST 1996-1, MORTGAGE LOAN
                    ASSET-BACKED CERTIFICATES, SERIES 1996-1.
                             CLASS A1 AND CLASS A2
             (Title of each class of securities covered by this Form)

                                       NONE
           (Titles of all other classes of securities for which a
               duty to file reports under section 13(a) or 15(d) remains)


               Please place an X in the box(es) to designate the
               appropriate rule provision(s) relied upon to terminate or
               suspend the duty to file reports:

              Rule 12g-4(a)(1)(i)    [X]     Rule 12h-3(b)(1)(ii)    [X]
              Rule 12g-4(a)(1)(ii)   [ ]     Rule 12h-3(b)(2)(i)     [ ]
              Rule 12g-4(a)(2)(i)    [ ]     Rule 12h-3(b)(2)(ii)    [ ]
              Rule 12g-4(a)(2)(ii)   [ ]     Rule 15d-6              [ ]
              Rule 12h-3(b)(1)(i)    [ ]

          Approximate number of holders of record as of the certification
                                or notice date:  6

                            SEE ATTACHED CERTIFICATION


     Pursuant to the requirements of the Securities Exchange Act of 1934
     (Name of registrant as specified in charter) has caused this
     certification/notice to be signed on its behalf by the undersigned duly
     authorized person.


     DATE:  February 9, 2000     By:  /s/ Judy L. Gomez
                                 Judy L. Gomez
                                 Assistant Vice President
                                 Bankers Trust Company

     Instruction:  This form is required by Rules 12g-4, 12h-3 and 15d-6 of the
     General Rules and Regulations under the Securities Exchange Act of 1934.
     The registrant shall file with the Commission three copies of Form 15, one
     of which shall be manually signed.  It may be signed by an officer of the
     registrant, by counsel or by any other duly authorized person.  The name
     and title of the person signing the form shall be typed or printed under
     the signature.


                             ACCOUNT HOLDER CERTIFICATION

              ACCREDITED MORTGAGE LOAN TRUST 1996-1, MORTGAGE LOAN
                    ASSET-BACKED CERTIFICATES, SERIES 1996-1.

                        Commission File Number: 333-07219

          I hereby certify that the following information is correct:

                                         CERTIFICATE HOLDERS
              NAME OF SECURITY           AS OF DECEMBER 31, 1996.

              CLASS A1                   6

              CLASS A2                   2


              TOTAL                      6


     Date:  February 9, 2000

                                  Bankers Trust Company, a part of the
                                  Deutsche Bank group, not in its
                                  individual capacity, but solely as a duly
                                  authorized agent of the Registrant
                                  pursuant to the Pooling and Servicing
                                  Agreement, dated as of September 1, 1996.


                                  By:  /s/ Judy L. Gomez
                                  Judy L. Gomez
                                  Assistant Vice President
                                  Bankers Trust Company